Talcott Resolution Life, Inc. 401(k) Review & Grade
Talcott 401(k) Plan
Windsor, CTFinance & Insurance549 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$10,893Employer $ per active participant
$14,435Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$103.7MNet plan assets, end of year
$169,174Average balance per account
Score breakdown
- Employer generosity46.5 / 5093th percentile for employer $ per participant
- Low cost24.3 / 2597th percentile for low admin cost vs. same-size plans
- Employee saving13.3 / 1589th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score91 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 93th |
| Lower admin cost | 97th |
| Employee saving | 89th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
Corrective distributions: the plan refunded $2,255 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Talcott Resolution Life put in about $10,893 per active participant, more than the typical peer ($3,606). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $5,980,212 |
| Participant (employee) contributions | $7,924,761 |
| Other contributions (incl. rollovers in) | $846,676 |
| Administrative expenses paid from the plan | $11,056 |
| Benefits paid out | $5,705,773 |
| Net assets, start / end of year | $82.9M / $103.7M |
| Active participants, start / end of year | 533 / 565 |
| Participants with account balances | 613 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $11,056 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250902084617NAL0024170672001, received 2025-09-02, EIN 06-1470915, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.